Home Purchase Loans

Make Your Dream Home a Reality

For many of us, buying a home is one of the most important milestones in life, and we make sure it’s convenient and affordable. Our loan advisors work closely with you to assess your eligibility and customize a repayment plan that suits your income and future financial goals.

We cater to both salaried and self-employed individuals, enabling local and expat buyers high loan-to-value options with the flexibility to choose between fixed or variable interest rates optional property and life insurance coverage, plus support at every step. We make home financing convenient, secure, and tailored to your needs.

Key Features

  • Up to 85% property value financing for Emirati, 80% for expats, 50-60% for non-residents
  • Available for ready,resale, handover & 50% under-construction homes
  • Quick processing with pre-approval facility
  • Affordable interest/profit rates
  • Life and property insurance included in EMI

FAQs

Who is eligible to apply for a home purchase loan in the UAE?
<p>Home loans in the UAE are available to:</p> <ul> <li>UAE Nationals</li> <li>Expatriate Residents</li> </ul>
What is the minimum income required to apply?
<p>Most banks require a <strong>minimum monthly income of AED 10,000</strong> for salaried applicants. For self-employed individuals, requirements vary based on business turnover and stability.</p>
What is the maximum loan amount I can get?
<p>Loan amounts depend on your income and affordability.</p>
How much down payment is required?
<p>As per UAE Central Bank regulations:</p> <ul> <li>UAE Nationals:<br /> 15% down payment for properties below AED 5 million</li> <li>Expat Residents:<br /> 20% down payment for properties below AED 5 million</li> </ul>
What are the typical loan tenures?
<p>Home loans can be repaid over a period of up to 25 years, provided the borrower does not<br /> exceed the required age as per bank policy.</p>
What types of properties are eligible for financing?
<p>Banks in the UAE offer home purchase loans for:</p> <ul> <li>Ready residential properties (villas, apartments, townhouses)</li> <li>Freehold and leasehold properties</li> <li>Some banks also finance off-plan projects from approved developers</li> </ul>
How long does it take to get loan approval?
<p>Loan approval can take <strong>5 to 15 working days</strong>, depending on documentation and internal bank<br /> processes. Pre-approvals can often be issued within 2–3 working days.</p>

Related Services

01. Refinance Mortgages

Refinancing allows property owners to replace their current mortgage with a new one often to secure a lower interest rate, adjust the loan term, or switch to a more suitable mortgage product.

It’s a practical way to reduce monthly payments, save on interest over time, or improve overall loan terms to better match your financial goals.

02. Islamic Home Finance

Islamic home finance is offered by Islamic banks or the Islamic windows of conventional banks, providing an alternative to traditional mortgages. These financing options are structured in a way that avoids charging interest, aligning with Islamic principles that prohibit Riba (usury). The most common structures include Murabaha (cost-plus financing) and Ijara (leasing), both designed to ensure that the financial transactions comply with Sharia law while allowing individuals to purchase houses.

03. Credit Card Services

As an ancillary service, we also arrange for our clients tailored credit card solutions from leading banks to meet their individual and business needs. Our team streamlines the application process, ensures competitive offers, and provides expert guidance to help you choose the right card—whether it’s for rewards, travel, cashback, or corporate use.

With strong banking partnerships and a client-first approach, we make access to financial flexibility simple and efficient.

Get Pre-Approval With Us